First Federal Savings and Loan Association of Newark: Loan Portfolio
Data as of · Call Report Schedule RC-C How we update
The loan book by category. Concentration is what supervisors read here: a portfolio weighted heavily toward one collateral type carries that sector's cycle, which is the mechanism behind most community-bank failures.
The standout move of Q2 2026 was in CRE concentration (Tier 1 capital + allowance): 9.50 percentage points lower than in Q1 2026, at 63.23%. First Federal Savings and Loan Association of Newark ranks 69th of 156 Ohio banks on loan-to-deposit ratio, in the upper half at 84.30% (Q2 2026). The median for banks in the $100M-1B asset tier is 80.84% on loan-to-deposit ratio. First Federal Savings and Loan Association of Newark sits 3.46 points higher, at 84.30% (Q2 2026).
Loan totals
| Line item | Q2 2026 |
|---|---|
| Total loans and leases | $211.4M |
| Net loans and leases | $209.9M |
| Loans held for sale | $0 |
| Loans to total assets | 72.01% |
| Loan-to-deposit ratio | 84.30% |
| Net loans to equity capital | 5.27% |
Portfolio mix (share of total loans)
| Line item | Q2 2026 |
|---|---|
| Commercial real estate (nonfarm nonresidential) | 11.04% |
| Multifamily (5+ residential) | 1.17% |
| Commercial and industrial | 0.00% |
| Consumer | 0.59% |
| Credit cards | 0.00% |
| Farm | 0.00% |
| Loans to depository institutions | 0.00% |
| State and political subdivisions | 0.00% |
Concentration measures
| Line item | Q2 2026 |
|---|---|
| CRE concentration (Tier 1 capital + allowance) | 63.23% |
| Construction concentration (Tier 1 capital + allowance) | 33.69% |
Supervisory definition (FFIEC UBPR page 7B): construction and land development, multifamily, non-owner-occupied nonfarm nonresidential and unsecured CRE loans, over Tier 1 capital plus the allowance for credit losses. Owner-occupied CRE and farmland are excluded. The 2006 interagency guidance flags CRE above 300% of capital, or construction and development above 100%, for heightened supervisory scrutiny. These are screening thresholds, not limits.
Loan earnings
| Line item | Q2 2026 |
|---|---|
| Yield on loans | 6.56% |
| Interest income on loans | $3.4M |
Loan Portfolio trend
Last 12 quarters as filed. Every value plotted here also appears in the tables above.
Loan Portfolio by quarter
| Quarter | Total loans | Total deposits | Commercial real estate | Commercial and industrial | Consumer |
|---|---|---|---|---|---|
| Q3 2023 | $182.1M | $226.5M | 13.83% | 0.00% | 0.32% |
| Q4 2023 | $190.8M | $228.9M | 12.54% | 0.00% | 0.30% |
| Q1 2024 | $195.8M | $228.7M | 11.67% | 0.00% | 0.29% |
| Q2 2024 | $202.3M | $238.2M | 12.12% | 0.00% | 0.28% |
| Q3 2024 | $206.6M | $244.2M | 12.18% | 0.00% | 0.25% |
| Q4 2024 | $206.8M | $252.0M | 12.49% | 0.00% | 0.26% |
| Q1 2025 | $208.8M | $251.0M | 12.94% | 0.00% | 0.25% |
| Q2 2025 | $215.5M | $251.6M | 12.73% | 0.00% | 0.27% |
| Q3 2025 | $212.1M | $253.1M | 12.04% | 0.00% | 0.27% |
| Q4 2025 | $214.0M | $254.8M | 10.90% | 0.00% | 0.25% |
| Q1 2026 | $213.1M | $253.7M | 10.96% | 0.00% | 0.42% |
| Q2 2026 | $211.4M | $250.7M | 11.04% | 0.00% | 0.59% |
First Federal Savings and Loan Association of Newark loan portfolio, all the way back
Loan Portfolio back to 2001 · peer percentiles on every line item · Excel export
Unlock First Federal Savings and Loan Association of Newark, freeSource: Call Report Schedule RC-C, as filed with the FFIEC and standardized by BankRegReports. Dollar amounts are as reported, point-in-time; income statement items are year-to-date through the report date. See the full First Federal Savings and Loan Association of Newark profile, peer group comparison, or how this data updates.
Regulator records: FDIC BankFind (cert 29090) · FFIEC NIC profile (RSSD 623874)